Refinancing to Pay for Renovations? Consider the VA’s Energy Efficient Mortgage Program

Making renovations that are energy efficient is not just a great way to reduce energy output, but it’s also an effective way of decreasing monthly utility costs. It serves as a one-time investment that will save money in the long run.

However, renovations are costly and not everybody has the extra finances required to make energy efficient changes. This is where the VA’s energy efficient mortgage (or EEM) program comes into play.

The program is designed to allow veterans to apply for a new mortgage or refinance an existing one with extra funds to renovate the home to be up to energy efficient standards.

The Three Tiers Under The VA’s Energy Efficient Mortgage Program

The VA has three tiers for the cost of renovations to be done under the EEM program. The lowest, and easiest to be accepted for, is for improvements that will total under $3,000. A list of costs or a contractor’s quote may be required in the application process.

The second tier is for renovations that will cost between $3,001 and $6,000. This will require the homeowner or homebuyer to get a Home Energy Rating System report to detail how efficient a home is currently and what can be done to decrease its HERS rating.

The final tier is for any improvements to the home that will cost over $6,000. This is the most difficult tier to receive acceptance for as both the Department of Veterans Affairs and the private lender will need to approve the renovations.

Types Of Improvements Under The EEM Program

The program covers a variety of renovations for the home. These include: new insulation to walls, floors and ceilings, solar powered heating and cooling systems, thermal doors, thermal windows and new caulking and weather stripping.

There are also items that will not be covered by the program, including new roofing, vinyl siding and air conditioning units.

Using The EEM Program To Receive A Larger Loan

Any veteran or currently active military member looking to buy a brand new home can still benefit greatly from the energy efficient mortgage program. If a new home undergoes a HERS report and passes as being energy efficient, this can be applied to a VA mortgage to receive as much as $6,000 extra on the loan.

Speak with your local mortgage professional to go into more detail on the intricacies of refinancing under the EEM program and whether or not your home will qualify.  If you need mortgage professional, give me a call – 602-320-4253.

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2425 W Red Range Way Phoenix, AZ 85085

$585,000

3 Beds

2 Baths

2,131 SqFt

Status Active

MLS # 6777834

Property Type Single Family Residence

Price Type --

Welcome to Carefree Crossing...your serene desert retreat in North Phoenix, where convenience meets tranquility. Perfectly situated near Norterra shopping and dining, freeway access, hiking trails for outdoor enthusiasts, and just 4 miles from TSMC. Step into this well maintained home with an airy, open-concept layout and 10' ceilings. Top that off with a split primary suite with patio access. The third bedroom offers flexibility as a home office or additional guest space. And a bonus room, which is just that, a bonus with a multitude of uses! With coveted N/S exposure, a private pool and spa and a covered patio, this home is designed for year-round enjoyment of Arizona's beautiful weather. Freshly painted inside and out and move-in ready, make Carefree Crossing your new home today!

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9845 E Pampa Avenue Mesa, AZ 85212

$585,000

4 Beds

2 Baths

2,170 SqFt

Status Active

MLS # 6784380

Property Type Single Family Residence

Price Type --

Situated on an interior n/s lot featuring 4 bedrooms with separate living, family, and formal dining rooms, brand new interior accent paint throughout, updated fans, fixtures and door hardware, Vaulted Ceilings, New Carpet/Pad and Lots of Laminate flooring. Spacious kitchen features an island/breakfast bar, solid surface counter tops, walk-in pantry and stainless steel appliances. Reverse osmosis. Additional cabinets in laundry room. Large owners suite with vaulted ceilings and separate exit to patio. Oversized secondary bedrooms. Step outback to the extended covered patio overlooking a large backyard with pebble-tec pool with new Kool decking, citrus trees and synthetic grass area. RV Gate and 3 car garage with service door. Clean and move-in ready. Elementary school in subdivision.

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3525 N Carlton Street Buckeye, AZ 85396

$585,000

3 Beds

2 Baths

2,132 SqFt

Status Active

MLS # 6786767

Property Type Townhouse

Price Type --

Welcome Home!! This Shea Villa property is tucked away in its own private luxury gated community within Verrado, giving you access to the amenities of both Vallarta and Verrado the walking paths from the house are amazing. Upon arrival you will notice the paved driveway and well-kept landscaping in the front... the backyard is a view lot giving a sense of relaxation, after a long day! As you enter the private courtyard with a custom glass/door, opening to the great room & gourmet kitchen. Featuring multi-slider doors to bring in lots' of natural lighting, custom cabinets, oversized kitchen island for entertaining, all stainless steel appliance this kitchen is a chef's dream! The owners suite was recently updated with new low maintenance flooring, spa shower as well as lot's of storage

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8445 E Aloe Vera Circle Gold Canyon, AZ 85118

$585,000

2 Beds

2 Baths

2,340 SqFt

Status Active

MLS # 6779682

Property Type Single Family Residence

Price Type --

Welcome To This STUNNING & Completely REMODELED&REDONE GEM Filled w/High End Finishes & Gorgeous Surprises Around Every Corner!Entry Charms w/Porcelain Plank Floors, Designer Accent Paint&Vaulted Ceilings Which Beckon Through 2 Immaculate Kitchen Feat. Granite Slab Counters, Chocolate Glaze Cabs w/Brown PinStripes, Quartz Sinks,Cstm Travertine BackSplash, Cstm Lighting&Beamed Ceiling, Highly Upgr.Stainless App Package (F/W/D ALL Incl)&Brushed Nickel Hardware!Updated Baths Feat. Granite, Quartz, Brass&Mother Of Pearl Hardware, Cstm Fixtures&More! Mstr Suite Feat. Ext. Att.Sitting Room, Beautiful Barn Door Wall 2 Patio, Cstm Shower&Tub w/Water Proof ShipLap Wall! Ext.Patio Incl. Cstm Wrought Iron Gate,No Homes Directly Behind&Artificial Turf Sideyard!New Paint 2024!INCREDIBLE Front MTN VWS!

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13518 W Sola Drive Sun City West, AZ 85375

$585,000

2 Beds

2 Baths

2,095 SqFt

Status Active

MLS # 6782063

Property Type Single Family Residence

Price Type --

The Encanto is a favored floor plan in Corte Bella Country Club. Uniquely designed for that entertainer's lifestyle. This home has so many upscale extras that you will enjoy. Features include designer front door, updated lighting, soft welcoming paint, smooth surface tiled flooring, 10' ceilings, great room, shutters, recessed lighting, 8 ft. Island in kitchen & 2 bedrooms plus Den. Split floorplan. Primary bathroom has a remodeled walk-in shower, oversized walk-in closet & two sinks. Great room includes cozy fireplace & open view into kitchen. The kitchen has high-end cabinets, granite counters, induction cooktop, breakfast bar & casual dining. Extended length garage. Exterior features include fenced bk yard w/covered patio, front covered patio & centrally located w/in Corte Bella.

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8310 E Greenview Drive Gold Canyon, AZ 85118

$585,000

2 Beds

2 Baths

2,406 SqFt

Status Active

MLS # 6780410

Property Type Single Family Residence

Price Type --

Discover your dream retreat on the 12th hole of Gold Canyon Golf Course, offering breathtaking views of the Superstition and Dinosaur Mountains. This home boasts Arizona's natural beauty from nearly every room, including the great room, living room, first master suite, and patio. The kitchen is equipped with elegant granite countertops, a center island, and a breakfast bar for easy entertaining. Enjoy the convenience of dual master suites and an oversized laundry room with custom cabinetry. Relax on the extended covered flagstone patio with ideal north-south orientation. Situated in Mountainbrook Village, you'll have access to a range of community amenities, including pools, a spa, golf course, tennis courts, and scenic biking and walking paths.

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22033 N Golf Club Drive Sun City West, AZ 85375

$585,000

2 Beds

2.5 Baths

2,656 SqFt

Status Active

MLS # 6766525

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the vibrant, active adult community of Sun City West! Perfectly located near the Palm Ridge Recreation Center and surrounded by multiple golf courses, this beautifully updated home offers the ideal blend of modern comfort and resort-style living. In 2024, the home received significant updates, including sleek granite countertops, most new appliances, and upgraded light and plumbing fixtures throughout. The majority of the home features elegant tile flooring, with plush carpet in the Den and master bedroom for added comfort. The updates also include taller baseboards and fresh interior paint, giving the entire space a crisp, modern feel. As you step inside, you're greeted by a grand entrance, soaring ceilings, and a spacious open floor plan filled with natural light. This clean, bright home offers plenty of room for both entertaining and relaxation. The 2.5-car garage provides ample space for parking and storage, making it ideal for your vehicles and hobbies. The home is situated on a quiet street with minimal traffic, offering peace and privacy. Outside, the fenced lot features an array of mature citrus trees, creating your own private oasis. With its close proximity to the Palm Ridge Recreation Center and numerous nearby golf courses, this home is perfectly positioned for an active, enjoyable lifestyle. Don't miss your chance to own this stunning, move-in-ready home!

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17025 E De Anza Drive Fountain Hills, AZ 85268

$585,000

3 Beds

2 Baths

1,868 SqFt

Status Active

MLS # 6784186

Property Type Single Family Residence

Price Type --

Bring your best ideas to make this home yours. Excellent floor plan with an A/C vented Arizona Room. Double Door Entry leads to Living and Dining Rooms with vaulted ceilings and a view of the well vegetated & enticing back yard. Your choice, to bedrooms on the right or the Kitchen activity area on the left. A spacious open kitchen/breakfast space/family room with fireplace will be your family gathering place. Laundry & 2 car garage (w/Evap cabinets & exterior door) complete the busy side of the home. From the entry to the right will find a spacious main bedroom with walk-in closet & bath with double sinks, separate shower/ tub and private toilet area. BD 2 offers its own door to the guest bath. BD 3 is located at the front of home. Corner lot, front steps w/ rail + handicap acces

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5595 W Mercer Lane Glendale, AZ 85304

$585,000

5 Beds

3 Baths

3,348 SqFt

Status Active

MLS # 6784014

Property Type Single Family Residence

Price Type --

Welcome to your dream home! Nestled in a tranquil cul-de-sac with no HOA, this property has everything you need and more. Step inside and be greeted by an open-concept entertaining floor plan with vaulted ceilings and new LED can lighting that illuminates every corner with warmth and style. The fully remodeled kitchen is a chef's delight, featuring brand-new cabinetry, modern appliances, and a convenient pot filler that makes cooking a breeze. New laminate flooring flows seamlessly throughout the home, offering both beauty and durability. Cozy up by the fireplace in the spacious living room, or enjoy the peaceful view of the mature trees from the large windows with elegant plantation shutters. You'll find ample storage space throughout, perfect for keeping things organized and tidy. Outside, the good-sized yard is a blank canvas just waiting for your creative touch. Imagine the possibilitiesa garden, play area, or custom outdoor oasis. With a lemon tree ready to provide fresh fruit, you'll love the potential this space offers for entertaining and relaxation. This beautifully updated home is move-in ready and waiting for you to make it your own. Don't miss outon this home!

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6351 W Saddlehorn Road Phoenix, AZ 85083

$585,000

4 Beds

2.5 Baths

2,542 SqFt

Status Active

MLS # 6783990

Property Type Single Family Residence

Price Type --

Exceptionally clean and lovingly maintained poolside home with 4 BR and 2.5 BA. HVAC 2020. Granite counters in kitchen and baths, travertine backsplash and FP accents. Freshly painted inside and out with new Lighting and Fans, New Carpet. Stay and play in your own backyard resort play pool (pool fence available) and mostly private. Look at the size of the bedrooms! 28x15 master has sitting room and lux bath with soaking tub and sep shower. Easy access to shopping, great restaurants, hiking and commute by way of 303, 101 and 17.

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11980 N Brewer Road Maricopa, AZ 85139

$585,000

5 Beds

3 Baths

2,000 SqFt

Status Active

MLS # 6787645

Property Type Manufactured Home

Price Type --

Business Meets Horse Property. 2,000+ sq ft home on 3.3 acres, blending modern living and equestrian convenience. Whether you're looking for a peaceful retreat or a business-ready property, this one has it all! Featuring a spacious, open floor plan with 3 large bedrooms and 2 bathrooms, plus a separate laundry area. Every detail has been updated, including brand-new tile flooring, paint, plumbing, cabinets, lighting, and appliances. Step outside onto the back porch, where you can take in stunning mountain views while relaxing in your private bar. 2 additional outdoor guest bedrooms and a bathroom, perfect for hosting visitors. 5 large, shaded horse pens, a hay shed, RV hookup with 30-amp service, irrigation, and crossed fencing for horses and arena. *Cash/private financing only

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3494 E Gary Way Gilbert, AZ 85234

New

$585,000

4 Beds

2 Baths

2,047 SqFt

Status Active

MLS # 6788703

Property Type Single Family Residence

Price Type --

Nestled in the heart of popular Gilbert, Arizona, this pristine 4-bedroom, 2-bathroom home boasts pride of ownership from its original owners. Freshly painted in October 2023, the exterior radiates curb appeal, complemented by a custom storm door at the entry. Inside, enjoy upgraded tile flooring and a stylish kitchen featuring granite countertops. Situated on a premium lot within the community, this home offers easy access to beautiful neighborhood parks and is just moments from convenient shopping and top-rated hospitals. The refrigerator, washer, dryer, and a gas-plumbed grill are all included, making this move-in-ready gem a perfect choice for families or anyone seeking comfort and convenience in a vibrant location.

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